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      Impacts of household credit on education and healthcare spending by the poor in peri-urban areas in Vietnam

      Doan, Tinh Thanh; Gibson, John; Holmes, Mark J.
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      Doan, T,T., Gibson, J. & Holmes, M.J. (2011). Impacts of household credit on education and healthcare spending by the poor in peri-urban areas in Vietnam. (Department of Economics Working Paper Series, Number 06/11). Hamilton, New Zealand: University of Waikato.
      Permanent Research Commons link: https://hdl.handle.net/10289/6705
      Abstract
      There is debate about whether microfinance has positive impacts on education and health for borrowing households in developing countries. To provide evidence for this debate we use a new survey designed to meet the conditions for propensity score matching (PSM) and examine the impact of household credit on education and healthcare spending by the poor in peri-urban areas of Ho Chi Minh City, Vietnam. In addition to matching statistically identical non-borrowers with borrowers, our estimates also control for household pre-treatment income and assets, which may be associated with unobservable factors affecting both credit participation and the outcomes of interest. The PSM estimates of binary treatment effect show significant and positive impacts of borrowing on education and healthcare spending. However, multiple ordered treatment effect estimates reveal that only formal credit has significant and positive impacts on education and healthcare spending, while informal credit has insignificant impacts on the spending.
      Date
      2011-06
      Type
      Working Paper
      Series
      Department of Economics Working Paper Series
      Report No.
      06/11
      Publisher
      University of Waikato
      Rights
      ©2011 The Authors
      Collections
      • Management Papers [1125]
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